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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,228 | $217,432-79.2% | $185,851-75.7% | $167,553-73.0% |
| Participation rate | 68.4% | 86.1%-17.6pp | 81.7%-13.3pp | 82.1%-13.7pp |
| Annual return | 16.34% | 148.43%-132.1pp | 122.11%-105.8pp | 478.89%-462.6pp |
| Employer contribution / active EE | $1,463 | $5,874-75.1% | $5,168-71.7% | $4,840-69.8% |
| Participant deferral / active EE | $3,063 | $6,357-51.8% | $5,569-45.0% | $6,343-51.7% |
| Admin fee / account holder | $3,957 | $19,820-80.0% | $16,245-75.6% | $12,316-67.9% |